Additionally, you can rest easy knowing your money is federally insured up to $250,000.5

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1APY=Annual Percentage Yield. Rates may change after account is opened. Minimum to open is $5. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to an unlimited amount (up to $5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.53%; and (3) balances over $10,000 earn 0.30% interest rate on portion of balance over $10,000, resulting in 0.30% -2.53% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN.2Free automatic loan payments from a Essential FCU Account only.3Essential FCU will not return a check written to a merchant (as long as it does not bring your account below -$500), but will honor the check and draft the money from your account within 30 days. Normal NSF fees apply and there is a $34 service charge each time Safe Pay is implemented. Check eligibility.4There is a $5.00 fee for transferring money from savings to the overdrawn account using the overdraft protection option.5$250,000 in total account balances